- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹161 Cr2,987th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 12 Aug 2026
- 273.7
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 26 May 2026
- 7.8
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 12 Aug 2026
- 2.9%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 7.45%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 32.15%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 0.88%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- 2.27%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 1.17times net worth
- Volume, BSEVolume. Shares traded on the last trading day.
- 1,054
Who owns J.A. Finance, filing by filing
Per cent of the company's shares. Every filing on record, from Mar 2023; the latest is the filing for Sep 2026.
Sep 2026 filing
- Promoters59.90%
- Individuals and others40.10%
Shareholding pattern, per cent
- Promoters
- Individuals and others
| Per cent | Mar 2023Filed 21 Apr | Jun 2023Filed 31 Jul | Sep 2023Filed 18 Oct | Dec 2023Filed 12 Jan | Mar 2024Filed 12 Apr | Jun 2024Filed 16 Jul | Sep 2024Filed 9 Oct | Dec 2024Filed 18 Jan | Mar 2025Filed 21 Apr | Jun 2025Filed 19 Jul | Sep 2025Filed 13 Oct | Dec 2025Filed 19 Jan | Mar 2026Filed 8 Apr | Jun 2026Filed 14 Jul | Sep 2026Filed 13 Oct |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 59.90% | 59.90% | 59.90% | 59.91% | 59.91% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | |
| Indian promoters | 59.90% | 59.90% | 59.90% | 59.91% | 59.91% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% | 59.90% |
| Public. Every shareholder outside the promoter group, the employee trusts and the shares held against depositary receipts, as the filing totals them. | 40.10% | 40.10% | 40.10% | 40.09% | 40.09% | 40.10% | 40.10% | 40.10% | 40.10% | 40.10% | 40.10% | 40.10% | 40.10% | 40.10% | 40.10% |
| Shares in issue | 1,06,48,733 | 1,06,48,733 | 1,06,48,733 | 1,06,47,006 | 1,06,47,006 | 1,06,48,733 | 1,06,48,733 | 1,06,48,733 | 1,06,48,733 | 1,06,48,733 | 1,06,48,733 | 1,06,48,733 | 1,06,48,733 | 1,06,48,733 | 1,06,48,733 |
| Shares locked inShares locked in. Shares the filing reports as barred from sale until a set day, such as promoters' shares after a public issue or shares allotted to an investor directly. | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | – | – |
| Promoters' shares locked in | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | 63,78,303 | – | – |
| Shares underlying depositary receipts | – | 1 | – | – | – | – | – | – | – | – | – | – | – | – | – |
A dash is a line the filing did not state. “Under 0.01%” is a holding of shares too small to show at two decimals.
J.A. Finance promoters
Promoters are the founders, families and companies that control the company, as its filings name them. Every member of the promoter group holding shares in the filing for Sep 2026; the largest is DILIP KUMAR GOYAL, 19.46%.
| Holder | ||
|---|---|---|
| DILIP KUMAR GOYALIndividuals and Hindu undivided familiesHindu undivided family. A family the tax law treats as one holder: property held in the family's name, shared by its members and managed by one of them. | 19.46% | 20,72,333 |
| ANKIT GOYALIndividuals and Hindu undivided families | 11.10% | 11,82,266 |
| AKSHAY GOYALIndividuals and Hindu undivided families | 10.97% | 11,68,666 |
| JAYSHREE GOYALIndividuals and Hindu undivided families | 10.50% | 11,18,133 |
| DILIP KUMAR GOYAL HUFIndividuals and Hindu undivided families | 6.93% | 7,38,240 |
| MANOJ KUMAR AGARWALIndividuals and Hindu undivided families | 0.69% | 73,332 |
| PAWAN KUMAR AGARWALIndividuals and Hindu undivided families | 0.24% | 25,333 |
No promoter shares are reported as pledged.
Largest public holders of J.A. Finance, filing by filing
Per cent, on the same shares as the split above.
| Holder | Mar 2023Filed 21 Apr | Jun 2023Filed 31 Jul | Sep 2023Filed 18 Oct | Dec 2023Filed 12 Jan | Mar 2024Filed 12 Apr | Jun 2024Filed 16 Jul | Sep 2024Filed 9 Oct | Dec 2024Filed 18 Jan | Mar 2025Filed 21 Apr | Jun 2025Filed 19 Jul | Sep 2025Filed 13 Oct | Dec 2025Filed 19 Jan | Mar 2026Filed 8 Apr | Jun 2026Filed 14 Jul | Sep 2026Filed 13 Oct |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| VEENA PAWANKUMAR CHAMADIAResident individuals, over ₹2 lakh at face value | – | – | – | – | – | – | – | 3.68% | 3.68% | 3.68% | 3.68% | 3.68% | 3.68% | – | – |
| HEMA PRAMOD JAINResident individuals, over ₹2 lakh at face value | – | – | – | – | – | – | – | 3.64% | 3.64% | 3.64% | 3.64% | 3.64% | 3.64% | – | – |
| ANKIT NARESH AGARWALResident individuals, over ₹2 lakh at face value | – | – | – | – | – | – | – | 2.41% | 2.41% | 2.41% | 2.41% | 2.41% | 2.41% | – | – |
| ANJANA SOMANYResident individuals, over ₹2 lakh at face value | 3.01% | 3.01% | 3.01% | 3.01% | 3.01% | 3.01% | 3.01% | 3.01% | 3.01% | 3.01% | 2.65% | 2.30% | 2.30% | – | – |
| SWEETY ROHIT KAWEDIYAResident individuals, over ₹2 lakh at face value | – | – | – | – | – | – | – | 2.23% | 2.23% | 2.23% | 2.23% | 2.23% | 2.23% | – | – |
| ARCHHIT SANDEEP AGARWALResident individuals, over ₹2 lakh at face value | – | – | – | – | – | – | – | 1.96% | 1.96% | 1.96% | 1.96% | 1.96% | 1.96% | – | – |
| SUDHA LODHAResident individuals, over ₹2 lakh at face value | 1.45% | 1.43% | 1.43% | 1.43% | 1.43% | 1.43% | 1.43% | 1.39% | 1.07% | 1.07% | – | – | – | – | – |
| SRI KRISHNA CLOTH MERCHANTS PRIVATE LIMITEDCompanies | 2.00% | – | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | – | 2.00% | – | – | – | – | – | – |
| GAJMUKTA MERCHANTS PVT.LTD.Companies | 1.23% | – | 1.23% | 1.23% | 1.23% | 1.23% | 1.23% | 1.23% | 1.23% | – | – | – | – | – | – |
| VARSHA TRADERS PVT LTDCompanies | 1.18% | – | 1.18% | 1.18% | 1.18% | 1.18% | 1.18% | 1.18% | 1.18% | – | – | – | – | – | – |
| SRI KRISHNA CLOTH MERCHANTS PRIVATE LIMICompanies | – | – | – | – | – | – | – | 2.00% | – | – | – | – | – | – | – |
| SANJAY KUMAR TANTIAResident individuals, over ₹2 lakh at face value | 1.52% | 1.52% | 1.52% | 1.52% | 1.52% | 1.52% | 1.52% | 1.52% | – | – | – | – | – | – | – |
| ASHISH LODHA AND FAMILY (HUF)Resident individuals, over ₹2 lakh at face value | 1.14% | 1.12% | 1.12% | 1.12% | 1.12% | 1.12% | 1.12% | 1.12% | – | – | – | – | – | – | – |
| SUMEDHA GOYALResident individuals, over ₹2 lakh at face value | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% | 7.24% | – | – | – | – | – | – | – | – |
| SONAM GOYALResident individuals, over ₹2 lakh at face value | 4.95% | 4.95% | 4.95% | 4.95% | 4.95% | 4.95% | 4.95% | – | – | – | – | – | – | – | – |
| DEEPAK ENGICON PRIVATE LIMITEDCompanies | 1.80% | – | 1.71% | 1.69% | 1.69% | 1.69% | 1.69% | – | – | – | – | – | – | – | – |
| ASHISH LODHAResident individuals, over ₹2 lakh at face value | 1.01% | – | – | – | – | – | – | – | – | – | – | – | – | – | – |
A filing names every holder above one per cent, in the company's own words: an insurer's holding can carry one of its funds' names. A dash is a filing that did not name the holder, which includes holding under one per cent.